CFPB Complaint

Buckles & Buckles, P.L.C. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-06-11T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Buckles & Buckles P.L.C., a debt collector, along with XXXX XXXX continue to attempt to collect a fraudulent debt ( Buckles & Buckles File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, Buckles & Buckles P.L.C., along with XXXX XXXX, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both Buckles & Buckles P.L.C., and XXXX XXXX several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both Buckles & Buckles P.L.C., and XXXX XXXX multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both Buckles & Buckles P.L.C. And XXXX XXXX that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before Buckles & Buckles, and XXXX XXXX claim I applied for, and opened the account.

Buckles & Buckles P.L.C., in conjunction with XXXX XXXX, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.

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Company: Buckles & Buckles, P.L.C.

State/Zip: MI 494XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2932386

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